A powerful, minimalist tool designed to help you understand complex Central Provident Fund policies, visualize compounding interest, and map out your ultimate retirement strategy.
From the moment you launch the tool, you are guided through a clean, intuitive interface designed to make complex financial data easy to set up and digest.
Input your current balances, age, and salary details in a step-by-step, frictionless onboarding process tailored for absolute clarity.
Instantly see a comprehensive, high-level overview of your OA, MA, and RA account trajectories across six analytical tabs.
Your welcome screen immediately highlights critical upcoming milestones, including FRS targets, age 55 transfers, and property sales.
Our tool dynamically adapts to the latest CPF rules, helping you optimize allocations across your accounts.
Designed primarily for housing, insurance, and investment. Our planner helps project your OA balances considering mortgage deductions, earning 2.5% p.a. (up to 3.5% p.a. with bonus interest on first $20,000).
SA earns 4.0% p.a. and closes at age 55, transferring to RA up to the Full Retirement Sum (FRS).
Safeguards healthcare needs at 4.0% p.a. Track your MA growth towards the Basic Healthcare Sum (BHS) and see how overflows optimize your SA/OA balances.
Gone are the days of staring at static spreadsheets. CPF Planner Pro provides dynamic, beautiful charts that update in real-time as you adjust your salary inputs, age, and desired retirement milestones.
Thinking of buying an HDB, making voluntary transfers from OA to SA, or selling your property? Run simulations to see exactly how these decisions impact your long-term balance and monthly payouts at retirement.
Go beyond basic calculators with our comprehensive suite of enterprise-grade simulation engines.
Compare Standard, Escalating, and Basic plans side-by-side. Instantly visualize your lifelong monthly payouts and long-term bequest values.
Stress-test your retirement against volatility. We run hundreds of simulations with ±1% rate variance to guarantee your safety net is mathematically sound.
Model complex property sales or housing refunds. Once complete, instantly export comprehensive PDF reports or generate a secure Share Link to save your profile.
Capitalize on the latest CPF policy shifts, maximize your yields, and secure your retirement. Here are the core strategies driving the planner's engine.
With the closure of the Special Account (SA) for members aged 55+, old 'shielding' loopholes are obsolete. The new optimal move to maximize the 4.0% interest floor is transferring excess OA to RA up to the 2026 Enhanced Retirement Sum (ERS).
Capitalize on the new Matched Retirement Savings Scheme (MRSS) and Matched MediSave Scheme (MMSS). This grants Singapore Citizens aged 55+ with RA below BRS an immediate 100% return via dollar-for-dollar government matching ($2,000/yr, lifetime cap $20,000).
Patience pays massive dividends. Deferring your CPF LIFE payouts from age 65 to age 70 increases your lifelong monthly income payout by up to 35% (a guaranteed 7% structural increase for every year deferred).
Leaving $30,000 in your Ordinary Account instead of transferring it to your Special or Retirement Account costs you approximately $16,500 in lost compounding interest over 20 years.
Order matters. Top up $2,000 first (if eligible) to trigger the MRSS matching grant. Separately, execute a Retirement Sum Topping-Up (RSTU) for up to $8,000 in tax relief, before finally sweeping excess OA to lock in the 4% yield.
Using CPF for housing incurs a hidden 2.5% compounding debt. Model a future Property Sale to see the impact of accrued interest refunds, or execute a Voluntary Housing Refund (VHR) today to stop the leak and boost your retirement balance.
Appoint up to two trusted guardians to act as a second layer of defense. They receive instant alerts for major transactions (like lump sum withdrawals) without gaining access to your balances or control over your account.
For members aged 55 and above, this acts as an emergency brake. If you suspect a scam, activating the switch instantly disables online access and halts all withdrawals while keeping essential payments running.
Provides precautionary protection for your CPF savings. It instantly disables online withdrawals entirely, while seamlessly maintaining your online access to view balances and perform other non-withdrawal transactions.
Everything runs directly in your browser. No data is sent to our servers, ensuring your financial information remains strictly yours.
We monitor policy changes, contribution rate shifts, and ceiling limits so the math is always precise and compliant (e.g., 2026 FRS $220,400, ERS $440,800, BHS $79,000).
Remove the guesswork from retirement. See clear, actionable numbers across six analytical views — then share your plan with a single link.
Join thousands of Singaporeans who are actively planning their retirement efficiently and securely.
Access the Planner NowYour privacy is our priority. Because CPF Planner Pro is a secure, client-side application, we enforce a strict zero-data-collection policy regarding your financial information.